Contact a Loan Officer: (800) 718-8906
Self-Employed business owners (>25%) and independent business professionals: see the following income documentation loan programs: 1099 Only Loans, Asset Depletion, Bank Statements, DSCR Business Purpose Loans No Doc, No Ratio, Lite Doc, Reduced Doc, Stated Income/Stated Assets (SISA), and Stated Income/Verified Assets (SIVA). It could be the only thing that separates you from your new mortgage is the wrong loan officer. Most Loan Officer’s (90%+) only originate conforming, agency loan programs.
Submit your loan scenario for loan officer review before having your credit checked or speak to a live loan officer ~ 800-718-8906.
Why Choose a Bank Statement Loan Understanding Bank Statement Loans A bank statement loan is an alternative-documentation mortgage designed primarily for self-employed borrowers. Instead of relying on W-2 forms, pay stubs, or traditional tax-return income, the lender reviews deposits shown on personal or business bank statements to determine qualifying income.
Rapid Rescore Guidelines Rapid Rescore Documentation Guidelines A rapid rescore may help update specific credit report information when acceptable documentation is available. The credit bureaus have strict documentation requirements, and not every item can be changed through a rescore. The documents must clearly identify the account, match the information shown
Below is an actual Bank Statement Calculator from one of our Non-QM lenders. In addition, please see “Bank Statement Loan Scenario Form – No Credit Check” below for additional service.
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your quantifiable income. This approach ensures a tailored evaluation for debt-to-income (DTI) ratios and loan-to-value (LTV) thresholds, enabling access to competitive financing options. Bank
Below is an actual Bank Statement Calculator from one of our Non-QM lenders. In addition, please see “Bank Statement Loan Scenario Form – No Credit Check” below for additional service.
When applying for a Bank Statement Loan, it’s important to understand that Non-QM lenders require a Business Description as part of the underwriting process. Whether submitting for pre-qualification or full underwriting, lenders will request a detailed summary of your business. Some lenders refer to this as a Business Narrative or
How to Get a Self-Employed Home Loan Have an understanding on how a Non-QM comes together in terms of best positioning yourself with the information you need before applying with a conditional lave an understanding on how a Non-QM comes together in terms of best positioning yourself with the information
Alt Doc Multi-Unit Property Loans for to see, research, and utilize. Customer Service 800-718-8906 or see our “Pre-Qualification Form – No Credit Check” form above.
Below is a list of some of our “Super Jumbo” Purchase loan programs. If you have any questions about our jumbo or super jumbo loan programs, call Customer Service 800-718-8906 to speak with a Mortgage Expert or our Pre Qualification Form – No Credit Check.
No Tax Return Transcripts / 4506-C
“4506” refers to IRS Form 4506, which allows lenders to request a transcript of a borrower’s tax return directly from the IRS. Here’s a summary tailored for a mortgage loan program:
In our mortgage loan programs, we differentiate ourselves by not
Fast Close Mortgages Quick Close Mortgage Service is designed for borrowers who require speed, certainty, and execution. Our close-of-escrow date commitment is driven by C-level lender alignment and grounded in proven broker-lender performance and execution history. Get a head start on your loan approval without getting your credit checked with
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Complete this form and a Credit Specialist will contact you soon. Credit Resolution Form Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.NameEmail *Phone Your Message: Submit
Need a Quick Closing? Do you now have an executed purchase contract in place with a scheduled close date to contend with? Do you have all of your documents in line but just need the right Loan Officer to work with? If you are a borrower and you need your
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Why Choose a Credit Rescore A credit rescore can help improve your credit score quickly, often within 3 business days to correct, update, or remove ”erroneous” information with the credit bureaus. This process can make a significant difference in qualifying for better mortgage rates or loan approvals. What is a
First Time Home Buyer Reserve guidelines are favorable at 6 months. Full Stock(s) value, bonds, and Vested Retirement. No additional reserves needed for additional Real Estate Owned (REO), financed or not. Primary residence. No Limit on Financed Properties. Purchase, 90% LTV on Owner-Occupied, including Cash Out Refinance. New Jumbo with
Why Choose a Non-QM Mortgage Broker? A Non-QM mortgage broker provides borrowers with access to a broader network of lenders, competitive wholesale interest rates, and flexible loan programs that may not be available through traditional retail banks. Instead of being limited to a single lender’s underwriting guidelines, pricing structure, and
Your Mortgage Approval Pre-approved, Approval with Conditions (CLA/conditional loan approval), Clear to Close (CTC). If you need a quick close, start with Pre-Qualification Form. This will give us the ability to properly serve you going forward. Leverage our staff and network to obtain a quick yes or no on whether
Items to Have to Speed Up Approval and Escrow Process Did you recently fall out of escrow, and you need a fast close? Whatever the situation, we can close your loan fast. Keep in mind, there are many, many different loan programs that do not require a lot of the
Mortgage Flexibility Adjustable-rate mortgages (ARMs) can remain an appealing option even when interest rates are low. The key factor in deciding if an ARM suits you is understanding how long you intend to stay in your home. This is important because every mortgage consists of three core elements: * Loan
Creative financing offers adaptable structures for complex borrower profiles and investment scenarios. We specialize in Non-QM and alternative mortgage programs.
Application to Close of Escrow Looking for a quick close? Let’s follow your mortgage application. Where does it go and why? Items you may need. Two speed up your application process. Time-Efficient Typically, when your Loan Officer has: Title, appraisal, Purchase Contract (when applicable) Approval with conditions met, should have
About Us We are a direct-to-consumer network of NMLS licensed mortgage brokers and loan officers. Could be the only thing holding you back from the right mortgage (pricing, product, terms, conditions) is a wrong loan officer. Our mission is to connect you with a vetted local loan officer who can